Morgan Stanley Emerging Markets Fund Share Class Change

The Plan will be changing the share class of the Morgan Stanley Emerging Markets to the IS shares effective February 17, 2016. This new share class has an expense ratio of 1.10%. Under the old share class, investors paid an expense ratio of 1.20% with a .10% annual reimbursement paid quarterly. In order to receive the reimbursement, a participant would need to be invested in the fund on the date the reimbursement was paid. As a result of the shares class change, a participant invested in this fund will pay lower expenses on a daily basis.

NRW-4583NY-NY
NRW-4583NY-NY
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